Northern Inland CU Personal Loans, Interest Rates & Fees - Best Find

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Personal loan provider

Northern Inland CU Personal Loans

for $10,000 over 3 years
Northern Inland Credit Union
14.00%
14.03%
$348.61

Smart Personal Loan (Unsecured)

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This is a fast and convenient way to get the things you want or pay for the things you need including consolidating debts, buying a boat, home renovations, holiday or investment, education, a dream wedding or household goods.

Overview

Minimum loan amount$5,000

Maximum loan amount$25,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)14.00%

Personal loan comparison rate14.03%

Monthly repayments (approx)$348

Total repayments (approx)$12,549

Total interest repayments (approx)$2,549

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

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Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 65 65 81

Data accurate as of9/04/2016

GO TO Northern Inland Credit Union

Comparison rate warning

This rate applies to loans with 5 year terms for $30,000. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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SocietyOne
7.50%
9.51%
$323.50

Personal Loan - 2 to 3 years - Tier 1

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We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)2 Years

Maximum term (years)5 Years

Personal loan interest rates (base)7.50%

Personal loan comparison rate9.51%

Monthly repayments (approx)$323

Total repayments (approx)$11,646

Total interest repayments (approx)$1,646

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee3%-4%

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Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone-

Data accurate as of18/01/2018

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Comparison rate warning

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

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Now Finance
8.95%
10.42%
$330.73

Unsecured Personal Loan- Excellent

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We provide a range of flexible personal loans designed to suit your needs.

Overview

Minimum loan amount$5,000

Maximum loan amount$40,000

Minimum term (years)18 months

Maximum term (years)7 Years

Personal loan interest rates (base)8.95%

Personal loan comparison rate10.42%

Monthly repayments (approx)$330

Total repayments (approx)$11,906

Total interest repayments (approx)$1,906

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4%, maximum $395

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Other Fees & Information

Monthly fee$13

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$175 (first 6 months), $120 (6-12 months), $0 after 12 months

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of26/02/2018

GO TO Now Finance

Comparison rate warning

Comparison rates for all the above products are based on a loan of $30,000 over 5 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review Northern Inland CU personal loan rates

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing Northern Inland CU personal loans, there are other important things to consider and understand, other than just Northern Inland CU’s interest rates.

What personal loan options does Northern Inland CU offer?

Northern Inland CU has 1 personal loan product:

  • Northern Inland CU Smart Personal Loan (Unsecured)

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare Northern Inland CU car loans, Northern Inland CU home loan and Northern Inland CU credit cards.

Do you have a Northern Inland CU personal loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

How to apply for a Northern Inland CU Personal Loan?

If you’d like to apply online for a Northern Inland CU personal loan, just scroll up and click on “Learn more” to be taken to Northern Inland CU’s secure online application form. Before you apply, be sure to learn about Northern Inland CU’s personal products, fees and eligibility criteria. Give yourself around 30 minutes to complete the application.

Northern Inland CU’s personal loan eligibility criteria

Before you apply for a personal loan, be sure to understand and meet the Northern Inland CU’s lending criteria. Below is high-level overview of Northern Inland CU’s criteria:

Northern Inland CU’s minimum requirements for a personal loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • An Australian citizen, permanent resident or have a valid visa

Information you’ll need to provide

Whether at the Northern Inland CU branch or online, make sure to have the following nearby:

  • Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
  • A list of your assets, expenses and liabilities
  • Driver’s licence (if you have one) or other forms of ID

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year
  • Your most recent personal/business tax return

Other things to keeping mind when applying with Northern Inland CU

  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your Northern Inland CU personal loan

There are many additional factors Northern Inland CU consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use a Northern Inland CU personal loan for?

You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.

Examples of common loan purpose Northern Inland CU will lend for:

Additional product information

Northern Inland CU’s minimum and maximum personal loan amounts and terms

You can borrow between $5,000 and $25,000. Over terms between 1 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Northern Inland CU’s repayment schedule

Northern Inland CU allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Northern Inland CU allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

Northern Inland CU’s Variable Rate Personal Loan gives you the option of being able to make redraws.